7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
1/11
IMPORTANCE OF TORRENS TITLE AND
PROCEDURE FOR SECURING THE SAME
Lecture Delivered by Enrique Altava8, Chief of the General Land Regi3tration Offiu,
before the Law Forum of the College of Law, University of the Philippines.
Mr. Dean, Fellow-Professors, and Students:
The distinguished Dean of the College of Law of this University has honored
me with a request to deliver before you a lecture on the subject of Land Registration.
Before proceeding further, I frankly confess that I can find no words to express
my sincere appreciation of the unmerited honor which such request confers upon
me, and although I do not possessthe oratorical gifts of someof my colleaguesofthis
institution of learning, I will, however, take the liberty to address you on the follow-ing thesis, to wit: "Importance of the Torrens Title and the Procedure for Securing
the Same."
There is so much said regarding the Torrens title nowadays, and this kind of
title is mentioned with such frequency, not only among the landowners and capital-
ists, but also among the other members of the community, be they professionals or
laymen, making one realize readily the popularity which is being acquired by the
system of registration of lands known as the Torrens system, wisely established in
these Islands by the present American sovereignty by virtue of the Land Registra-
tion Act, Act No. 496 of the Philippine Commission, that it is deemed profitable to
discourse upon the same, in order to demonstrate its importance and the most
expeditious and effective procedure to obtain such titles, for the good of the com-
munity.
It is very common to hear people inquire what the meaning is of the word
"Torrens," and why the title which the Governmen~ grants, in conformity with the
provisions of the Land Registration Act, is called Torrens title. The explanation
of this is very simple. During the middle of the last century there lived in AUstralia
a layman, called Robert Torrens. The condition of property in that country was
then absolutely chaotic and the possession of a thing by the person who considered
himself.the owner thereof was held witpout guaranties of any sort, originating an
endless number of suits which sometimes caused great troubles and dissensions in
the family and disturbances among the. inhabitants of those British possessions.
Robert Torrens then conceived a plan for registering property through a judicial
process, after which peaceful possession of the same was obtained. This plan was
submitted to the government, which, finding it to be very cohvenient, adopted thc
same through proper legislation, and the results were so satisfactory in that countrythat many other States. both in America and in Europe, adopted the new system.
In all of these countries, the Torrens system has always attained a brilliant success..
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
2/11
Ro~ TorreiuJ was afterwardS knighted for his distinguished work, and in order
to honor his memory worthily, the titles iSsued under the new system of.registrlr
tion have been called Torrens titles and the system conceived by him, Torrens
system.
The primal basis upon which the Torrens system rests is the incontestabIlity
of the title, i. e ., once iSsued after due legal process, its validity cannot be contested
by anybody.
In a lecture which I had. the pleasure to give in this very place two years ago,
speaking of those attributes of the Torrens title which comprise the principle of its
incontestability, I mentioned the following:
1. That it is optional, i. e., the property owner may submit his propert.y tosuch system, or may have the same governed by any previous legislation, but once
submitted by his own volition, he can not withdraw and go back to the old system.
2. 'The registration does not mean registration of acts, but registration of the
title itself, and better than inscription, it is a reproduction of titles; since the original-
ity of the system consists in the fact that once the registration is applied for by the
property owner and.after the appropriate proceedings are had, a decree is issued in
his name, which decree is transcribed by the Register of Deeds in a book of registra-
tion, and a duplicate of the same issued to, and remains in the possession of, said
property owner.
3. The iSsuance of a new certificate of title annulling and replacing the old
one, takes place upon the transfer of the property described in the first certificate
of title or when said property is subdivided into two or more parcels between two
or more persons, in which latter case there are issued as many certificates of title
as there are parcels.
4. The inco~testability of the title, provided the possessor has not committed
any wrongful act; to this end the government receives from the applicant, at the time
of registration, a small fee, consisting, under our law, of one-tenth of one per cent
of the valuation of the property. This constitutes what is termed the "Assurance
Fund," from which indemnification is m8.de to the party prejudiced by any cause
independent of his will.
5. Greater economy in the expenses of the proceedings and brevity of
transactions dealing with registered land.It is certain that the advantages above stated necessarily give a great import-
ance to the Torrens title.
We have said that the mere fact that a person holds a Torrens title for a
certain property, makes him enjoy such a state of safety and tranquillity that it
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
3/11
It is admitted that with a Torrens title in hand, the landowner tMY .,..,
aooomplish all sorts of transactions with his property, especiaJly to obtain ~
loans, since the bankers and capitalists have adopted the practice of requirioc ~
for the security of the money loaned, that the property mortgaged be provided a Torrens title. We may affirm without any hesitation. that the Jack of a TOfteM
title has been the cause of many landowners failing in their efforts to obtain ..
But the best manner of disclosing the importance of the Torrens title is uadoubt.,.
edly to bring to your notice what the highest authority of the Philippines Iluhelcl
with regard to this matter. That authority is the Supreme Court of tile ~
whose doctrines are set, forth in the various decisions scattered both in the PbHip-
pine Reports and in the OfficialGazette.
In the case of the Manila RaiIroad Company VB. Marfa del Carmen RocIripesand others, reported in the Official.Gazette of February 24, 1915,wherein tile q.
tion as to who had the right to receive the "alue of a piece of land expropriated by
the Railroad Company was considered, and in which it was alleged by one.of the
parties that he had a title which had been recorded in the Registry of ~
pursuant to the Spanish system prescnbed by the Spanish Mortgage Law abOut
thirty years prior to the time when the other party secured a Torrens titlefor~
same land, and that, therefore, his title being older and having been teoOl'ded~
suant to the system in force during the Spanish regime, long before thll.tGf hiil COIl-
testant, it should enjoy preference over that of the contestant, and that, thiltieiQ
so, it should be held that he was the real owner of the land described irl the deed
of transfer and was, collllequently, entitled to receive the value of the ~,
while it was aiteged on the other hand that the other party had a TofteIIa tftItliO
the same land, t,he Supreme Court in deciding the controversy l!IOlembIy
that the contention of the first party was not well founded, and held that "A Ton'We
title is superior to every title preceding it. Every decree of.registration sWlbiad
t,heland, and quiet title thereto, subject only to the exception stated in tile tollowiq
section (Sec. 39 of Act 496). It shall be concl.usiveupon and against an.~including the Insular Government and all the branches thereof, whether meo~
by name in the application, notice, or citation, or included in the general d.eription
'To all whom it may concern.' Such decree shall not be opened by reatOIl of the
absence, infancy, or other cl.isability of any person affected thereby, nor by any
proceeding in any court for reversing judgments or decrees."
Sustaining more emphatically the foregoing doctrine, said high tribunal, in
the same case, has laid down the following principles relative to the importance pf
the Torrens tit.le, which should be considered as fundamental, to wit: "Atitle
once registered under the Torrens system, is good against everYbody and cannot be
attacked by any person claiming the same land under title anterior to the decrees
of registration, and that a title duly registered during the Spanish regime under tbe
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
4/11
As may be seen, the controyersy in the case above mentioned was between a
title registered in accordance with. the Spanish Mortgage Law, and a Torre~title.
In these cases you must keep in mind that the Torrens title always prevails,
and that it would be a useless task on the part of a lawyer to pretend to win a caseof this nature, basing hill pretension on the existence of a title registered under the
Spanish system, though it may have been registered one hundred years back.
Let us now see what the Supreme Court of the Philippines has to say in deciding
a controversy between a party who pOBBeBBeBa Torrens titie for a piece of laild, and
another one who also POBBeBBeSa Torrens title for the same land, that is, each of the
parties has in his poBBeBBiona Torrens title for the very same property.
The decision in this case may be found in the Official Gazette of Decell?-ber 8,1915. The case is entitled Consuelo Legarda et al., applicants and appellants, VB.
N. M. Saleeby, opponent and appellee.
To better understand the doctrines laid down by the Supreme Court in this
case, we will first give the facts that gave rise to the controversy as they are stated
in the opinion:
"First. That the plaintiffs and the defendant occupy, as owners, adjoining
lots in t.he district of Ermita in the city of Manila."Second. That there exists and has existed for ~ number of years a stone wall
between the said lots. Said wall is located on the lot of the plaintiffs.
"Third. That the plaintiffs, on the 2nd day of March, 1906, presented a peti-
tion in the Court of Land Registration, for the registration of their lot. After a
consideration of said petition the court, on the 25th day of October, 1906, decreed
that the title of the plaintiffs should be registered and the original certificate provided
for under the Torrens system should be iBBUedto them. Said registration and certif-icate included the wall.
"Fourth. Later, the predecessor of the defendant presented a petition in the
Court of Land Registration for the registration of. the lot now occupied by him.
On the 25th day of March, 1912, the court decreed the registration of said'title and
iBBuedthe original certificate provided for under the Torrens system. The descrip-
tion of the lot given in the petition of the defendant also included said wall.
"Fifth. Several months later (the 13th day of December, 1912) the plaintiffsJiiscovered that the wall which had been included in the certificate granted to them
had also been included in the certificate granted to the defendant. They immedi-
ately presented a petition in the Court of Land Registration for an adjustment and
.correction of the error committed by including said wall in the registered title of
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
5/11
"8ixth. That the land occupied by "the wall is registered in the name o f
of the owners of the adjoining lots. The wall is not a joint wall."
Now then, taking into consideration the facts above stated, a q1lelJtion~.
asked, who is the owner of the wall and ~he land upon whieh the IIaIIleis ~.
The answer to this question may be found wisely stated by the S u IJ1 "l lM Colinin the following paragraph:
"The decision of the lower court is based upon the theory that the actionfor the registration of the lot of the defendant was a. judiei&lproceediDcandthat the judgment or decree.was binding upon all parties who did not and oppose it. In other words, by reason of the fact that the plaintiftillaadnot opposed the registration of tpat part of the lot on which the . . . n . wassituated they had lost it even though it had been theretofore J:eIistered intheir name. Granting that theory to be the correct one, and grantiJic eftllthat the wall and the land occupied by it, in fact, belonged to the defendaniand his predecessors, then the fl&IIVltheory should be applied to the defendanthimself. Applying that theory to him, he had already lost whatever npt hehad therein, by permitting the plaintiffs to have the same registered in theirname, more than six years before. Having thus lost his right, lIlayhe bepermitted to regain it by simply including it in a petition for regiatratillp?.The plaintiffs having secured the regist.ration of their lot, including.t"1IrAll were they obliged to constantly be on the alert and to watch all the ~.ings in the land court to see that some one else was not having all, or a portion
of the same, registered? If that question is to be answered in the aflirmatiYe,then the whole scheme and purpose of the Torrens system of land regiBtra.ition must fail. The real purpose of that system is to quiet title to Iaad; toput a stop forever to any question o(the legality of the title, except o W which were noted at the time of registration, in the certificate, or which,.,yarise subsequent thereto .. That being the purpose of the law, it would seeipthat once a title is registered the owner may rest secure, without the neeeseityof waiting in the portals of the court, or sitting in the 'mirador de IU ea.>,to avoid the possibility of losing his land. Of course, it can not be deniedthat the proceeding for the registration of laDd under the Torrens systeID it
judicial (Escueta V8. Dll'ector of Lands, 16 Phil. Rep. 482). It is clothed wi.t,hall the forms of an action and the reIlultis final and binding upon all the W O rl d .It is an action in rem (Escueta V8. Director of Lands, supra; Grey Alba ",.Dela Cruz, 17 Phil. Rep. 49; Roxas y Chuidian 118. Enriquez, 13 Off. Gas. 281~Tyler V8. Judges, 175 MaSs. 71; American Land Company V8. Zeiat, 219 U.
S.47)."
Summing up, therefore, all that has heen stated, and having due regard forthe
doctrines laid down by the Supreme CoUrt, we can say, in harmony with our proptlli.
tion relative to the importance of Torrens title, that when two certificates oftitIecover the same land, the one of anterior date should prevail as between the oriIiIIaI
parties, no matter whether the land comprised in the posterior certificate may' be
found included in whole or in part in the anterior certificate .. In subsequent ~
tions in which more than one certificate is issued with respect to a certain inteMt
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
6/11
tbanthe person who obtains a later certificate. The decree of registration is con
elUsive upon all and against all. This means that a Torrens title once obtained, the
owner may rest secure, without the necessity of watching at the doors of the courts
to avoid the possibility of losingohis land~r part thereof should another person take
a notion to have it included in an application for registration of title. The tran-
'luility of the holder of a Torrens title must, therefore, be absolute.
In the firm belief that the foregoing has convinced us of the importance of the
Torrens title, we will now consider the procedure provided by the existing laws
for obtaining a title of this nature.
The procedure for the registration of a title to land may be.stated as follows:
LSurvey of the land.
2. Filing of application for registration of title in court.
3. Hearing of the application.
4. Decision of the case.
5. Issuance of decree of registration.
6. Issuance of certificat.eof title with its duplicate.
The first step is that which refers to the survey of the property. The law
requires and it is absolutely necessary that the application for registration of title
be accompanied by a plan which muSt be the result of a scientific survey thereof,
made by a surveyor duly qualified and authorized to make surveys. .We said
"scientific" in order to make it understood that it is not enough to describe the
land by mentioning the sitio, barrio, town or province where it is found; the number
of meterS which its sides may have, calculated at hazard, and the area of the land
computed at a glance, as well as the names of the adjoining owners; but that it
should be a survey in which the bearin~, distances and area are given, as a result
of a survey and demarcation by means of scientific apparatus, besides the designa-tion of the sitio, barrio, town, province, etc., and of the adjoining owners.
The survey once made, the surveyor prepares the plan, in accordance with the
data obtained. After the plan is finished, it is presented to the Director of Lands
for his verification and approval. The plan 'once verified and approved, said Director
of Lands returns it to the surveyor who in turn delivers the same to the owner.
Surveys may also be made by surveyors of the Bureau of Lands .
. Act 1875 provides that th~ surveyor who may' make surveys of lands for regis-tra~ion purposes, should be a surveyor qualified in accordance with the provisions
of said law and must show the corresponding certificate issued by the Director of
Lands and recorded by the Chief of the General Land Registration Office. It is
obvious, therefore, that, without such requisites, no surveyor can '~ake surveys of
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
7/11
In the ease of Aguillon 1 J1 t. the Director of Lands, 17 Phil. Rep. 606, this quIatlon
was discussed by the Supreme Court of these Islands. In this cue& pia,_
prepared in accordance with the provisions of Sections 4 and 6 of Act 1871, ,...
presented. The Director of Lands opposed the registration of the land .
by said plan, and, notwithstanding said opposition, the Court of Land ~
decreed in favor of the applicant the registration of said land. From thia dMiaioD,
the Director of Lands appealed, and the Supreme Court, after reviewil:lc\he '''''
of the ease, declared:
"We are of the opinion that the judgment of the lower courtllbOUldbereversed and stand reversed until the plaintiff or petitioner preeelIU pJua inaccordance with the provisions of Act No. 1875, and the ease ia hereby ~ed to be returned to the lower court with direction that the petitioner ~this plans in accordance with said Act. If, however, when the plaQ8~1
have been presetlted, the lower court finds that the same conform. t() 'tlteplans already presented, then the' jUdgment heretofore rendered ma1'Maffirmed without further procedure. If, however, the new plaDs wbeD'PN-sented do not conform to the plans heretofore presented and llbal,l,~the rights of any persons who have not heretofore been heard, then ~shall be given them and an opportunity to present whatever op~ti~ ' tIi0 1may have to the registration of the land included in the new ptAns." . ,) .,
The second step, as before stated, is the filing of the application for ~
of the title in the Co~rt. Act No. 2347,which reorganized theCourtsofFirl,t~
and the Court of Land Registration, provides that the application fQl'~_
of title shall be presented to the clerk of the Court of First Instance in the~~
where the land is situated, and in Manila, to the Chief of the General Lanci~
tion Office.
The application must be accompanied by a plan, technical descriptiOl,l, t , , , , , ,~d, surveyor's certificate and all muniments of title proving the o~p QC;~
'property. The application, plan,technical description and surveypr'.~cate
should be presented in duplicate, in order that the original copies Jtl&Y~f,,,
file in the clerk's office of the corresponding court, together with the m~of title, and the duplicate copies be forwarded to the Chief of the GeI1eral~
Registration Office, so that he may have a complete record of the ease for m . . . ,his office.
The clerks have instructions from the General Land Registration Qffice,llQ$,t.e
receive or admit applications for registration of title if they are not presented in the
form w.ehave just indicated.
The requiremeat that the application should be accomp~ed by the d~
proving ownership is based on the provisions of Sect,ion26 of the Land RegistrationAct, which clearly states that the applicant should file with the applicatiQn all the
original title, deeds which he may have in his possession which justify his right t
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
8/11
The application mustoo signed by the owner or his duly authorized agent,
and must beswom to before a Notary Public. The requisite as to the oath is based
on the necessity of guaranteeing all the declarations and statements contained in
the application, which in many instances, serve as a basis for the decision of thecourt.
The application once flIed, the interested party or his lawyer should request
the court to set a date for the hearing of the same. In many courts this is not even
necessary, because the clerks are instructed to set applications for hearing in the
order they are presented.
Many believe that the hearing of an application can take place on the day
following its presentation in court, and after fifteen or twenty days have elapsedwithout the hearing taking place, they become impatient and begin to think that
the delay is due to the lack of attention or diligence on the p$rl of the clerk or of the
General Land Registration Office. Such conduct and way of thinking is very unjust
to such clerks and the General Land Registration Office,inasmuch as the applicants
and the lawyers as well should know,that the law clE'.arlyprovides that the courts
shall set the date for the hearing of a case by means ofl). notice to the Chief of the
General Land Registration Office,which notice must be received by the latter officialsixty days before the date designated. Therefore, the most that an applicant can
expect is to have his application heard sixty days after filing.
The General Land Registration Office, upon receipt of said order for setting
date of hearing, prepares a notice relative to the application, which notice must
be published in the Official Gazette, and posted on the land by the sheriff of the
province, at the same time that a copy of said notice is sent to each one of the persons
mentioned in the application, whether occupants or adjoining owners or in any
way interested in the case. The due publication of said notice; in the form above
mentioned is what gives jurisdiction to the court to take cogn:izanceof the case.
Accordingto this, the publication of the notice in due form is what gives jurisdic-
tion to the court to hear, take cognizance of, and decide a land registration case.
The object of the notice being, therefore, to confer jurisdiction, and knowing that
its absence is fatal, as the Supreme Court of the Philippines has constantly declared
in its decisions, in such a way that it renders null and void all that has been done,
it is,evident that the procedure relative to the publication of the notice in question
must be strictly complied with in accordance with the law.
On the other hand, our own Supreme Court and those of the various States of
America where there are in force laws based on the Torrens system, have repeatedly
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
9/11
In the case of Grey Alba 118. de Ia, Cnu, 17 Pin'!. Rep. 49, the Supreme ~
of these Islands laid down the following doctrine: "The decree of resfatration
issued in a land registration case is' conclusive not only against the opponent, not-
withstanding the fact .that he has proven that he was not served perIlOnaIly with.
copy of notice, but also against the whole world, if it can be ~own positiVely that
said notice was duly published, in accordance with the law, since the mere fact of
its publication made him a party defendant in the case,"
According to this, it can be affirmed that the due publication of the notice
relative to the application for registration is what supports the validity of the pr0-
ceedings, and consequently that of the decree of registration which by virtue of a
valid proceeding is issued.
On the day set for the hearing of the r-ase, the applicant or his lawyer or hia
duly authorized agent will have to appear before the court to prove the aUeptiou
made in the application, and pqncipally the" ownership of the property. Likewise,
in case of controversy, that is, when an opposition to the application is prell8lUed,
the opponent must appear before the court and prove the allegations made ia ilia
opposition and, principally, his adverse right to the property.
The Supreme Court, in the case of Inocencio 118. Gat-Pandan, 14 Phil. ~
491, has laid down the following doctrine with regard to the duty of proving owner-
ship: "If the person who makes application as owner for the registration of prop-
erty is under obligation satisfactorily to prove that he is the proprietor, thole ,who
oppose the said registration must in turn establish their claims; if neither Party
succeed in so doing, their respective claims must be dismissed,"
The next step after the hearing of a registration case is the decision of the~.
In practice, we have seen that in the majority of cases, especially when no oppoli-
tion has been filed, the judges decide the case immedi~tely .. The decision is dela.~
only when the case has become complicated on account of oppositions filed, creatin,a controversy, the decision of which always requires BOmestudy on the part of the
court.
The decision of the court must either decree registration of title applied tor in
. the application or deny the same. In the first case, the court shall order the adjudica-
tion of the land'in favor of the applicant and the issuance of a decree of registration
of title of said land in his name. In the second case the court shan order die-
missal of the application.
Any person (or party) who is not satisfied with the decision of the court, mayappeal. from that decision to the Supreme Court of the Philippine Islands, and in
order that the appeal may be accepted, it is absolutely necessary that the same be
filed within the period of thirty days, counting from the'date on which the interested
party receives a certified copy of the decision.
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
10/11
Regarding the right of appeal, we should say that only those p~ns who have
intervened in the case, that is, those who have taken part in the controversy either
as applicant or opponent, are entitled to it; and with respect to the latter, in order
that he may be considered a party to the case, it is necessary for him to file an opposi-tion claiming the whole or part of the property in question. (See Couto VB. 'Cortes,
8 Phil. Rep. 459.)
The above doctrine has been applied .later on by the same Supreme Court in
the case of Cabaiias VB. Director of Lands, 10 Phil. Rep. 393, where the following
rule was laid down: "A person who has not challenged an applicatIOn for registra-
tion of land, even if the appeal afterwards interposed is based on the right of dominion
over the .wne land, can not allege damage or error against the judgment orderingthe registration, inasmuch as he did not allege or pretend to have any right to such
land, and no right has been infringed by an error which should be corrected by the
court of appeal in the second instance. J'Mrefore, the appeal should not have been
admitted."
If no appeal is taken from the decision, the same becomes final at the expiration
of the period of thirt,y days counting from the date on which the interested parties
have received certified copies of said decision.
Upon the decision becoming final, if the case has been dismissed, the same will
be filed and kept as such without any further proceedings; and if it has been favor-
ably decided, adjudicating the property to the applicant, then, the decree of registra-
tion of title will be issued.
The General Land Registration Office is in charge of issuing decrees in accordance
with;the decision. Before the decree is issued, the surveyor of said office examines
the plans filed with the application as ~ell as the plans of the adjoining properties
in order to be sure that the latter plans are not in conflict with the fo~er ones,
and in case of conflict, the applicant will be directed to make the boundary lines
of his land to agree with those of the adjoining decreed properties, because these
necessarily have to be respected and protected.
The decree once issued, the law establishes a perpetual tie or VInculum, binding
the property and its owner to the precepts of the Land Registration Act, in such
~way that said property will always be subject to the provisions of this Act, and its
owner may never restore said property to its previous status, that is, the status
before its registration under said Land Registration Act. In other words, a parcel
of land once registered under said Act remains registered land forever
7/29/2019 PLJ Volume 2 Number 9 -02- Enrique Altavas - Importance of Torrens Title and Procedure for Securing the Same
11/11
title and its duplicate Bl'8 sent to the Reciatrar of Deeds fe w tbe ,....,. '.. ,
land is situated, so that said ofIicialmay file the 4eone.1l lUI IbBr ~ . ,. tt!l1(
icate of title and ita duplicate, f:iJiq the oriIinal oertifieate . & . b l 1 M I I I l' ! . . .. . . .
prepared for the purpOse,and delivering its duplicate to the ~1 ,.,.;. ,
payment of the fees for the 8Il8Ul'8oIlcefund and for the isSuance oI-.r:';'"
The said certifica~ of title is what we called at the belilJDinl ''T_the importance and transcendence of which we have ext-avel)